In autumn 1943, the unnamed narrator befriends Holly Golightly. The two are tenants in a brownstone apartment in Manhattan's Upper East Side. Holly (age 18–19) is a country girl turned New York café society, girl. As such, she has no job and lives by socializing with wealthy men, who take her to clubs and restaurants, and give her money and expensive presents; she hopes to marry one of them. According to Capote, Golightly is not a prostitute, but an "American geisha".

Holly likes to shock people with carefully selected tidbits from her personal life or her outspoken viewpoints on various topics. Over the course of a year, she slowly reveals herself to the narrator, who finds himself quite fascinated by her curious lifestyle.